Credit Products

Solidarity Credit

Solidarity Credit is for small groups of people who come together to borrow money and between them guarantee timely repayment of the loan. The members of a Solidarity Group are usually from the same village, and the local village association oversees the group’s activities.

Interest Rates

Solidarity Credit

Maximum Loan

Interest rate

Term

KHR2,500,000

1.5%

6-12 Months

THB20,000

Advantages‣ Currency options – riel or baht
‣ Convenient doorstep service
‣ Reasonable upfront fee based on loan size and currency
‣ No physical collateral required
‣ Borrow at any time in the loan cycle and loan term base on each group
‣ Reasonable interest rate calculated based on outstanding balance
‣ Flexible principal payment plans to suit your business needs
‣ Top up loan amount 1 million rile with fast service, no collateral, no form up group, flexibility of disbursement, and upfront fee only 30,000 riel.
‣ At the same time, client can also borrow the individual products without paid off Solidarity Credit and Emergency Loan, and they will got discount rate upfront fee 30% when they apply for next cycle of Solidarity Credit
‣ Can apply for renewal loan after their group already paid off

Amret makes it easy

To apply for our Solidarity Loan, you will need to follow these simple steps:
‣ Talk to our staff or a village association committee member in your area
‣ Join or form a group of 3 to 6 members
‣ Request a loan and arrange terms to suit your needs

Business Loan

Business Loans are for individuals who wish to start up a new business or expand an existing enterprise.

Amret make it easy
To apply for our business Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Agriculture Loan

Agriculture Loans are provided for a variety of purposes including investing in crop farming, animal rearing, animal breeding, farm equipment and agricultural land, and agri-business. This loan is an ideal way for smallholder farmers to access working capital to start up a new business or expand an existing enterprise.

Amret make it easy
To apply for our Agriculture Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Home Improvement Loan

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Home Improvement Loan is a micro personal loan for individuals intending to renovate or extend their house. Clients usually use these loans to put up a fence, replace a roof, install a toilet and running water, add a living room, bathroom or kitchen, or add an extra floor.

To apply for our Home Improvement Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Consumption Loan

Consumption Loan is a micro personal loan for individuals intending to buy household or personal items, such as a vehicle, computer, furniture, refrigerator, television, generator, and so on.

To apply for our Consumption Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Biodigester Loan

The Biodigester Loan is a micro loan for rural dwellers who wish to build a household biogas digester. The installation of a biogas digester helps improve household living conditions, cut household fuel costs and reduce environmental pollution.

Amret make it easy
To apply for our Biodigester Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Small and Medium Enterprise (SME) Loan

SME Loans address the needs of small and medium-sized enterprises (commerce, manufacturing, services) and agri-businesses for working capital to invest in a startup, grow an existing business, diversify activities, expand into new markets or create new product lines.

Interest Rates

Small Business loan

Maximum Loan

Interest rate

Term

KHR200,000,000

0.9% - 1.4%

3 – 60 Months

USD100,000

THB3,200,000

Advantages

‣ Reasonable interest rate calculated based on outstanding balance
‣ Reasonable upfront fee based on loan size and by currency
‣ Flexible principal payment plans to suit your business needs
‣ Option to open more loan accounts and also refinance loan with other financial institutions

Amret make it easy

To apply for Our SME loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Housing Loan

Housing Loan is a personal loan for individuals who wish to build a new house on their own land.

Interest Rates

Housing Loan

Loan Size by currency

Interest rate

Duration

KHR80,000,000

1.3% - 1.5%

3 - 60 months

USD20,000

THB640,000

Advantages

‣ Several currency options -– riel, baht, dollar
‣ Reasonable interest rate calculated based on outstanding balance
‣ Reasonable upfront fee based on loan size and by currency
‣ Flexible principal payment plans to suit your business needs
‣ Option to open more loan accounts and refinance loan with other financial institutions
‣ Option to take out a top-up loan during construction of up to 30% of previous loan disbursement
‣ Convenient repayment via Amret Credit Officer, your nearest our branch, or E-Wallet
‣ We accepts hard or soft land title, and also collateral from a third party if required
Amret make it easy
To apply for our Housing Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Short Term Loan(STL)

Short Term Loan is the add up loan which provide to existing individual client who have short term working capital needs to support new or current businesses.

Interest Rates

Short Term Loan (SLT)

Maximum Loan

Interest rate

Term

KHR 80,000,000

1.05%–1.5%

3 - 6 months

USD 20,000

THB 640,000

Advantages

‣ No need to pay off existing loans
‣ Balloon payment
‣ Early paid off will be allowed after 1 month without extract charge
‣ Fast service
‣ Reasonable interest rate calculated based on outstanding balance
‣ Reasonable pricing
‣ Client can get many loan accounts
Amret make it easy
To apply for Our Short term loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet.